Accident Insurance
Foster Farms provides you the option to purchase accident insurance through Lincoln Financial.
Accident insurance helps protect against the financial burden that accident-related costs can create. This means that you will have added financial resources to help with expenses incurred due to an injury, to help with ongoing living expenses, or to help with any purpose you choose. Claims payments are made in flat amounts based on services incurred during an accident. Refer to the Cigna flyer to view plan details and compare the three plan options.
Examples of covered conditions
- Fingers, toes
- Ankle, arm (elbow to wrist), elbow, foot (except toes), hand (except fingers), kneecap, rib, shoulder blade, vertebral process, wrist
- Coccyx, collarbone, lower jaw, sternum
- Arm (shoulder to elbow), bones of the face, nose, upper jaw
- Leg (knee to ankle), pelvis, skull non-depressed, vertebral body
- Hip, leg (hip to knee)
- Skull depressed
- Surgical treatment surgery
- Chip fracture
Please see the flyer linked here for comprehensive description of this plan and its benefits and exclusions.
Critical Illness
Foster Farms provides you the option to purchase Critical Illness insurance through Lincoln Financial.
The Lincoln Critical Illness Insurance Plan:
- Provides cash benefits if you or a covered family member is diagnosed with a critical illness or event
- Benefits are paid in addition to what is covered under your health insurance
- Features group rates for employees
- Includes access to a personal health advocate who can assist you in managing healthcare services for you and your entire family
- There are no waiting periods or overall plan maximums
A person must be covered by an individual or group policy or contract that arranges or provides medical, hospital and surgical coverage not designed to supplement other private or governmental plans. If a person and any dependents to be enrolled are not covered by such a plan, they may not enroll for critical illness insurance.
A health screening benefit is automatically included in the plan. This plan will pay $50 per insured individual per calendar year when a covered health screening test is performed.
Examples of covered conditions
- Circulatory conditions such as heart attack or stroke
- Invasive cancer conditions
- End Stage Renal (kidney) Failure
- Major organ failure (heart, lung, liver, pancreas, or intestine)
- Arterial/vascular disease
- Mitral or aortic valve disease
- Noninvasive cancer (in situ)
- Skin Cancer (other than melanoma)
Benefit options
- Employee: $5,000 to $40,000 (increments of $5,000)
- Spouse/Domestic Partner: $5,000 to $40,000 (increments of $5,000); limited to 100% of employee's elected coverage
- Child(ren): $25,000 (in increments of $2,500, limited to 100% of the employee coverage amount)
Rates are age banded for employee and spouse differentiating between smoker and non-smoker. Spouse rates are based on the employee’s age. Child rates are a flat dollar amount. Refer to the Cigna flyer to view plan details and costs. If you choose to increase your coverage or are electing coverage for the first time, you will be subject to pre-existing condition limitations.
Hospital Indemnity Insurance
Foster Farms provides you the option to purchase Hospital Indemnity insurance through Lincoln Financial.
A hospital stay can happen at any time, and it can be costly. Lincoln Financial hospital care coverage can help you and your loved ones have additional financial protection. Lincoln Financial hospital care pays benefits for hospitalizations resulting from a covered injury or illness. Coverage continues after the first hospitalization, to help you have protection for future hospital stays.
A health screening benefit is automatically included in the plan. This plan will pay $50 per insured individual per calendar year when a covered health screening test is performed.
The table to the right highlights some of the benefits of the hospital care insurance plan. Please refer to the Lincoln Financial plan summary for additional details. Benefits will be subject to pre existing condition limitations.
| Feature | Benefit |
|---|---|
| Hospital admission For the initial day of admission to a hospital for treatment of a sickness or an injury | $500 per day for 2 days per calendar year |
| Hospital confinement For each day of confinement in a hospital as a result of a sickness or an injury | $100 per day for 30 days per calendar year starting on the 1st day of confinement |
| Hospital intensive care unit (ICU) admission For the initial day of admission to an ICU for treatment as the result of a sickness or an injury | $1,500 per day for 1 day per calendar year |
| Hospital ICU confinement For each full or partial day of confinement in an ICU as a result of a sickness or an injury | $200 per day for 30 days per calendar year starting the 1st day of confinement |
| Complications of pregnancy | Included |